ManipalCigna Super Top up plus plan

Benefits of Super Top up plus plan

Plan Name	Plus		Select
	Deductible (in Rs. Lacs)	Sum insured (in Rs. Lacs)	Deductible (in Rs. Lacs)	Sum insured (in Rs. Lacs)
	3, 3.5	3, 6	1	1, 2, 4
	4, 4.5	4, 8	2, 2.5	2, 4, 5
	5, 5.5	5, 10, 15, 20	3, 3.5	3, 6 , 10
	7.5	10, 15, 20	4, 4.5	4, 8 , 15
	10	10, 20, 30	5, 7.5	5, 10, 15, 20
	-	-	10	10, 20, 30

Coverages of ManipalCigna Super Top up plus plan

• In-Patient Hospitalisation Covers Hospital expenses for admission longer than 24 hours. Covered up to anyRoom Category.
• Pre – hospitalisation Medical Expenses Covered up to 60 days preceding the hospitalisation.
• Post – hospitalisation Medical Expenses Covered up to 90 days immediately after discharge from the hospital.
• In-patient hospitalisation forAYUSH Cover - Covered up to full Sum Insured.
• Day Care Treatment - Covered up to full Sum Insured
• Non-medical expenses Cover - Actual expense incurred towards non – medical items listed under policy wordings
• Road Ambulance Cover Actual expense incurred on availing Ambulance services.
• Donor Expenses Covered up to full Sum Insured
• Guaranteed CumulativeBonus - A guaranteed 5% increase in Sum Insured every policy year at renewal, maximumup to 50% of the Sum Insured.

Optional Covers

• Guaranteed Continuity on Deductible - From 5th Policy Year onwards, the Insured Person will have an option to opt for a basepolicy, with guaranteed continuity on waiting periods# applicable under the basePolicy. No fresh risk assessment shall be done for Sum Insured up to the deductibleamount opted under this Policy Cover under existing policy, ManipalCigna Super Top Up, will continue to be availablefor the Insured person, subject to Renewal and policy terms and conditions.
• Reduction in Pre-existingdisease waiting period - Option to reduce Pre- existing disease waiting period to 24 months since inception ofthe policy and shall apply to all insured persons covered under the policy.

Add on cover(Rider)

• Critical illness Lump sum payment

Premium Payment Options

• Single, Yearly, Half yearly, Quarterly and Monthly mode of payment available.

Waiting Period

• First 30 days from the Policy start date, for all illnesses except Accidents.
• First 24 months from the Policy start date for Specific illnesses.
• A 48 months waiting period will be applicable for any Pre-existing disease.

Exclusions of ManipalCigna Super Top up plus plan

Please note that this is an indicative list of exclusions; please refer the Policy wording and clauses for the complete listof exclusions:

• Stem cell implantation/surgery.
• Dental treatment other than due to accident.
• HIV/ AIDS and related complications
• Vitamins and tonics unless forming part of treatment.
• Artificial life maintenance, including life support machine use.
• Treatment for rehabilitation measures, private duty nursing, respite care.
• Treatment from persons not registered as Medical Practitioners.
• Ailment requiring treatment due to drug abuse/ alcohol and treatment for de-addiction, or rehabilitation.
• Any illness resulting from the Insured committing any breach of law.
• Any cosmetic surgery unless forming part of treatment for accident, cancer, burns or specific disease of breast.
• Charges incurred primarily for diagnostic purposes.
• Costs of donor screening.
• Any form of Non-Allopathic treatment except treatment covered under AYUSH Cover under the policy.
• Expense for injury of insured whilst engaging in any adventure sport.
• Expenses caused by ionizing radiation or contamination by radioactivity from any nuclear fuel.
• All expenses arising from foreign invasion & warlike operations, whether war be declared or not.